Sounds like a 'star schema', just without foreign key constraints on the relationship ('fact') table.
I'm not really sure I understand why not having that constraint is helpful - what sort of 'changes' are significantly cheaper? Schema changes on the thing ('dimension') tables? Or do you mean cheaper in the 'reasoning about it' sense, you can delete a thing without having to worry about whether it should be nullified, deleted, or what in the relationship table? (And sure something starts to 404 or whatever, but in this application that's fine.)
I'm not really sure I understand why not having that constraint is helpful - what sort of 'changes' are significantly cheaper? Schema changes on the thing ('dimension') tables? Or do you mean cheaper in the 'reasoning about it' sense, you can delete a thing without having to worry about whether it should be nullified, deleted, or what in the relationship table? (And sure something starts to 404 or whatever, but in this application that's fine.)